Effective Date: February 16, 2026

Sierra Merchant Solutions LLC (“Sierra Merchant Solutions,” “we,” “our,” or “us”) respects your privacy and is committed to protecting
the information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard
information when you visit our website, communicate with us, or use our services.

Quick note for payments: If you apply for merchant services, we may collect information needed for underwriting,
compliance, fraud prevention, and processing. Payment processing and gateway services may be provided through third-party
acquiring banks and processing partners.

1. Information We Collect

A. Information You Provide

Contact information (name, email, phone number, mailing address)
Business information (business name, ownership details, business address, tax ID/EIN)
Account/application information (merchant application details, products requested, support inquiries)
Underwriting and financial information (as required, such as bank account details, processing history, chargeback history)

B. Information Collected Automatically

When you visit our website, we may automatically collect:

IP address and approximate location
Device and browser information
Pages viewed and actions on the site
Referring/exit pages and timestamps
Cookie identifiers and similar tracking data

C. Analytics & Advertising

We use Google Analytics to understand website traffic and improve performance. We may also use advertising and conversion tools
(such as pixels and tags) to measure campaign effectiveness and show relevant ads.

2. How We Use Information

To provide merchant processing, payment gateway, POS/terminal, and related services
To submit and manage applications with acquiring banks, processors, and underwriting partners
To communicate with you about quotes, onboarding, support, and account-related matters
To send marketing communications and newsletters (including via Constant Contact)
To operate, maintain, and improve our website and services
To detect and prevent fraud, abuse, or security incidents
To comply with legal, regulatory, and contractual requirements

3. How We Share Information

We do not sell personal information.

We may share information with the following categories of third parties, as needed:

Acquiring banks and underwriting partners
Payment processors and technology partners (e.g., gateway/POS providers)
Service providers (hosting, analytics, customer communications, fraud monitoring, IT support)
Professional advisors (legal, accounting) and regulators as required
Law enforcement or other parties when required by law, subpoena, or to protect rights and safety

4. Cookies, Tracking, and Your Choices

We use cookies and similar technologies for site functionality, analytics, and advertising measurement. You can control cookies through
browser settings and, where available, our cookie banner or preference tools. Blocking cookies may impact site functionality.

5. Data Security

We use commercially reasonable administrative, technical, and physical safeguards designed to protect information. However, no system is
100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain information for as long as reasonably necessary to provide services, comply with legal and regulatory obligations, resolve disputes,
and enforce agreements. Financial services records may be retained as required by applicable rules and contracts.

7. California Privacy Notice (CCPA/CPRA)

This section applies to California residents. California law may provide the following rights (subject to verification and exceptions):

Right to Know/Access: request categories and specific pieces of personal information collected, used, and disclosed.
Right to Delete: request deletion of personal information (subject to exceptions).
Right to Correct: request correction of inaccurate personal information.
Right to Opt Out of Sale/Sharing: opt out of the “sale” or “sharing” of personal information as defined by California law.
Right to Limit Use of Sensitive PI: where applicable under California law.
Non-Discrimination: we will not discriminate for exercising privacy rights.

CCPA/CPRA: Sale/Sharing

We do not sell personal information. We may share limited information with analytics and advertising partners for measurement and ad delivery,
which may be considered “sharing” under California law in some contexts. You may request to opt out where applicable.

How to Submit a California Privacy Request

8. Nevada Privacy Rights

Nevada residents may request to opt out of the sale of certain covered information. We do not sell covered information as defined by Nevada law.

9. Third-Party Links

Our website may link to third-party sites. We are not responsible for the privacy practices of those sites.

10. Children’s Privacy

Our services are not directed to children under 18. We do not knowingly collect personal information from children.

11. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be posted with a revised effective date.

12. Contact Us

Sierra Merchant Solutions LLC
Carson City, Nevada
Phone: (775) 634-3000
Contact Us

This Privacy Policy is provided for general informational purposes and should be reviewed by your legal counsel
to ensure it matches your specific products, integrations, and data flows.

Privacy Policy